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<br /> Facts,<br /> Figures &<br /> Opinions<br /> BSA Yearbook 2020/21<br /> FROM<br /> CHEQUE CLEARING<br /> PROTECTION<br /> TO PERSONAL<br /> PROTECTION<br /> We are recognised for our technology systems, including the the market-leading cheque scanning<br /> and processing software, Solchar TJ. But did you know our heritage over 40 years is built on<br /> supplying businesses with a range of print, labels and other office supplies?<br /> Relying on 20 years experience of supplying the NHS, we provide businesses throughout the UK with PPE,<br /> sanitising products, social distancing signage and screens in support of the industry's return to work.<br /> Contact the team to learn more<br /> 01924 919689 sales@hagueprint.com<br /> hagueprint.com/PPE<br /> The Building Societies Association (BSA) is the voice<br /> of building societies in the UK. We also represent six<br /> credit unions.<br /> Our objective is to push for the best outcomes for our<br /<a title="BSA-Yearbook-2020-21 page 1" href="http://viewer.zmags.com/publication/f91fe42e?page=1"> Facts, Figures & Opinions BSA Yearbook 2020/2</a> <a title="BSA-Yearbook-2020-21 page 2" href="http://viewer.zmags.com/publication/f91fe42e?page=2"> FROM CHEQUE CLEARING PROTECTION TO PERSON</a> <a title="BSA-Yearbook-2020-21 page 3" href="http://viewer.zmags.com/publication/f91fe42e?page=3"> The Building Societies Association (BSA) is the v</a> <a title="BSA-Yearbook-2020-21 page 4" href="http://viewer.zmags.com/publication/f91fe42e?page=4"> Are you ready for the changing mortgage market? </a> <a title="BSA-Yearbook-2020-21 page 5" href="http://viewer.zmags.com/publication/f91fe42e?page=5"> “A huge thank you to all staff who work in buildi</a> <a title="BSA-Yearbook-2020-21 page 6" href="http://viewer.zmags.com/publication/f91fe42e?page=6"> </a> <a title="BSA-Yearbook-2020-21 page 7" href="http://viewer.zmags.com/publication/f91fe42e?page=7"> Mike Regnier Chief Executive Yorkshire Building S</a> <a title="BSA-Yearbook-2020-21 page 8" href="http://viewer.zmags.com/publication/f91fe42e?page=8"> Paul Denton Chief Executive Officer Scottish Build</a> <a title="BSA-Yearbook-2020-21 page 9" href="http://viewer.zmags.com/publication/f91fe42e?page=9"> Society staff like Jacki Walker continue to suppo</a> <a title="BSA-Yearbook-2020-21 page 10" href="http://viewer.zmags.com/publication/f91fe42e?page=10"> Using AI to take the direct approach in mortgage </a> <a title="BSA-Yearbook-2020-21 page 11" href="http://viewer.zmags.com/publication/f91fe42e?page=11"> Tracey Johnson HR Director Leek United Building S</a> <a title="BSA-Yearbook-2020-21 page 12" href="http://viewer.zmags.com/publication/f91fe42e?page=12"> Innovations in the equity release sector adapting</a> <a title="BSA-Yearbook-2020-21 page 13" href="http://viewer.zmags.com/publication/f91fe42e?page=13"> Rachel Smith Senior Social Investment Manager Nat</a> <a title="BSA-Yearbook-2020-21 page 14" href="http://viewer.zmags.com/publication/f91fe42e?page=14"> “As a building society, we look at the world a li</a> <a title="BSA-Yearbook-2020-21 page 15" href="http://viewer.zmags.com/publication/f91fe42e?page=15"> </a> <a title="BSA-Yearbook-2020-21 page 16" href="http://viewer.zmags.com/publication/f91fe42e?page=16"> Jon Whiteley Senior HR Business Partner Coventry </a> <a title="BSA-Yearbook-2020-21 page 17" href="http://viewer.zmags.com/publication/f91fe42e?page=17"> Paul Ellis Chief Executive Ecology Building Socie</a> <a title="BSA-Yearbook-2020-21 page 18" href="http://viewer.zmags.com/publication/f91fe42e?page=18"> Bunker self-build housing co-op – new affordable </a> <a title="BSA-Yearbook-2020-21 page 19" href="http://viewer.zmags.com/publication/f91fe42e?page=19"> Work underway on the energy-efficient home of </a> <a title="BSA-Yearbook-2020-21 page 20" href="http://viewer.zmags.com/publication/f91fe42e?page=20"> Lisa Bullen Head of Retail Distribution Melton Mo</a> <a title="BSA-Yearbook-2020-21 page 21" href="http://viewer.zmags.com/publication/f91fe42e?page=21"> Are your members investing positively? Many inve</a> <a title="BSA-Yearbook-2020-21 page 22" href="http://viewer.zmags.com/publication/f91fe42e?page=22"> Stacey Stothard Head of Corporate Communications </a> <a title="BSA-Yearbook-2020-21 page 23" href="http://viewer.zmags.com/publication/f91fe42e?page=23"> “In 2018 we launched a sustainability strategy al</a> <a title="BSA-Yearbook-2020-21 page 24" href="http://viewer.zmags.com/publication/f91fe42e?page=24"> ADVERTISEMENT Surveying with confidence </a> <a title="BSA-Yearbook-2020-21 page 25" href="http://viewer.zmags.com/publication/f91fe42e?page=25"> Andrew Gall, Chief Economist, Building </a> <a title="BSA-Yearbook-2020-21 page 26" href="http://viewer.zmags.com/publication/f91fe42e?page=26"> HOW IS THE VALUE CREATED BY THE ORGANISATION WHER</a> <a title="BSA-Yearbook-2020-21 page 27" href="http://viewer.zmags.com/publication/f91fe42e?page=27"> Council & BSA Team BSA Council Chairman 2019-21</a> <a title="BSA-Yearbook-2020-21 page 28" href="http://viewer.zmags.com/publication/f91fe42e?page=28"> Award winning digital technology for Mortgages a</a> <a title="BSA-Yearbook-2020-21 page 29" href="http://viewer.zmags.com/publication/f91fe42e?page=29"> Regional Associations There are three indepen</a> <a title="BSA-Yearbook-2020-21 page 30" href="http://viewer.zmags.com/publication/f91fe42e?page=30"> Equity Release Referral Service Sub 3% equity </a> <a title="BSA-Yearbook-2020-21 page 31" href="http://viewer.zmags.com/publication/f91fe42e?page=31"> BSA Members Directory Every UK building society i</a> <a title="BSA-Yearbook-2020-21 page 32" href="http://viewer.zmags.com/publication/f91fe42e?page=32"> Bath Building Society Head office: 15 Queen Squar</a> <a title="BSA-Yearbook-2020-21 page 33" href="http://viewer.zmags.com/publication/f91fe42e?page=33"> Beverley Building Society Head office: 57 Market </a> <a title="BSA-Yearbook-2020-21 page 34" href="http://viewer.zmags.com/publication/f91fe42e?page=34"> Buckinghamshire Building Society Head office: Hig</a> <a title="BSA-Yearbook-2020-21 page 35" href="http://viewer.zmags.com/publication/f91fe42e?page=35"> Cambridge Building Society Head office: PO Box 23</a> <a title="BSA-Yearbook-2020-21 page 36" href="http://viewer.zmags.com/publication/f91fe42e?page=36"> Capital Credit Union Head office: 62 Hamilton Pla</a> <a title="BSA-Yearbook-2020-21 page 37" href="http://viewer.zmags.com/publication/f91fe42e?page=37"> The Chorley and District Building Society Head o</a> <a title="BSA-Yearbook-2020-21 page 38" href="http://viewer.zmags.com/publication/f91fe42e?page=38"> Coventry Building Society Head office: Economic H</a> <a title="BSA-Yearbook-2020-21 page 39" href="http://viewer.zmags.com/publication/f91fe42e?page=39"> Cumberland Building Society Head office: Cumberla</a> <a title="BSA-Yearbook-2020-21 page 40" href="http://viewer.zmags.com/publication/f91fe42e?page=40"> Darlington Building Society Head office: Sentinel</a> <a title="BSA-Yearbook-2020-21 page 41" href="http://viewer.zmags.com/publication/f91fe42e?page=41"> Dudley Building Society Head office: 7 Harbour Bu</a> <a title="BSA-Yearbook-2020-21 page 42" href="http://viewer.zmags.com/publication/f91fe42e?page=42"> Earl Shilton Building Society Head office: 22 The</a> <a title="BSA-Yearbook-2020-21 page 43" href="http://viewer.zmags.com/publication/f91fe42e?page=43"> Ecology Building Society Head office: 7 Belton Ro</a> <a title="BSA-Yearbook-2020-21 page 44" href="http://viewer.zmags.com/publication/f91fe42e?page=44"> Family Building Society/ National Counties Head </a> <a title="BSA-Yearbook-2020-21 page 45" href="http://viewer.zmags.com/publication/f91fe42e?page=45"> Furness Building Society Head office: Emlyn Hughe</a> <a title="BSA-Yearbook-2020-21 page 46" href="http://viewer.zmags.com/publication/f91fe42e?page=46"> Glasgow Credit Union Head office: 95 Morrison Str</a> <a title="BSA-Yearbook-2020-21 page 47" href="http://viewer.zmags.com/publication/f91fe42e?page=47"> The Hanley Economic Building Society Head office:</a> <a title="BSA-Yearbook-2020-21 page 48" href="http://viewer.zmags.com/publication/f91fe42e?page=48"> Harpenden Building Society Head office: Mardall H</a> <a title="BSA-Yearbook-2020-21 page 49" href="http://viewer.zmags.com/publication/f91fe42e?page=49"> Hinckley & Rugby Building Society Head office: Up</a> <a title="BSA-Yearbook-2020-21 page 50" href="http://viewer.zmags.com/publication/f91fe42e?page=50"> Ipswich Building Society Head office address: PO </a> <a title="BSA-Yearbook-2020-21 page 51" href="http://viewer.zmags.com/publication/f91fe42e?page=51"> Leeds Building Society Head office: 105 Albion St</a> <a title="BSA-Yearbook-2020-21 page 52" href="http://viewer.zmags.com/publication/f91fe42e?page=52"> Leeds Credit Union Head office: 31 New York Stree</a> <a title="BSA-Yearbook-2020-21 page 53" href="http://viewer.zmags.com/publication/f91fe42e?page=53"> Leek United Building Society Head office: Custome</a> <a title="BSA-Yearbook-2020-21 page 54" href="http://viewer.zmags.com/publication/f91fe42e?page=54"> London Mutual Credit Union Ltd Head office: 4 Hea</a> <a title="BSA-Yearbook-2020-21 page 55" href="http://viewer.zmags.com/publication/f91fe42e?page=55"> Loughborough Building Society Head office: 6 High</a> <a title="BSA-Yearbook-2020-21 page 56" href="http://viewer.zmags.com/publication/f91fe42e?page=56"> Manchester Building Society Head office: 125 Port</a> <a title="BSA-Yearbook-2020-21 page 57" href="http://viewer.zmags.com/publication/f91fe42e?page=57"> The Mansfield Building Society Head office: Regent</a> <a title="BSA-Yearbook-2020-21 page 58" href="http://viewer.zmags.com/publication/f91fe42e?page=58"> Market Harborough Building Society Head office: W</a> <a title="BSA-Yearbook-2020-21 page 59" href="http://viewer.zmags.com/publication/f91fe42e?page=59"> Marsden Building Society Head office: 6-20 Russel</a> <a title="BSA-Yearbook-2020-21 page 60" href="http://viewer.zmags.com/publication/f91fe42e?page=60"> Melton Mowbray Building Society Head office: Mutu</a> <a title="BSA-Yearbook-2020-21 page 61" href="http://viewer.zmags.com/publication/f91fe42e?page=61"> Monmouthshire Building Society Head office: John </a> <a title="BSA-Yearbook-2020-21 page 62" href="http://viewer.zmags.com/publication/f91fe42e?page=62"> Nationwide Building Society Head office: Nationwi</a> <a title="BSA-Yearbook-2020-21 page 63" href="http://viewer.zmags.com/publication/f91fe42e?page=63"> Newbury Building Society Head office: 17 Bartholo</a> <a title="BSA-Yearbook-2020-21 page 64" href="http://viewer.zmags.com/publication/f91fe42e?page=64"> Newcastle Building Society Head office: Principal</a> <a title="BSA-Yearbook-2020-21 page 65" href="http://viewer.zmags.com/publication/f91fe42e?page=65"> Nottingham Building Society Head office: Nottingh</a> <a title="BSA-Yearbook-2020-21 page 66" href="http://viewer.zmags.com/publication/f91fe42e?page=66"> Number One Police Credit Union Limited trading as</a> <a title="BSA-Yearbook-2020-21 page 67" href="http://viewer.zmags.com/publication/f91fe42e?page=67"> Penrith Building Society Head office: 7 King Stre</a> <a title="BSA-Yearbook-2020-21 page 68" href="http://viewer.zmags.com/publication/f91fe42e?page=68"> Principality Building Society Head office: Princi</a> <a title="BSA-Yearbook-2020-21 page 69" href="http://viewer.zmags.com/publication/f91fe42e?page=69"> Progressive Building Society Head office: Progres</a> <a title="BSA-Yearbook-2020-21 page 70" href="http://viewer.zmags.com/publication/f91fe42e?page=70"> Saffron Building Society Head office: Saffron Hou</a> <a title="BSA-Yearbook-2020-21 page 71" href="http://viewer.zmags.com/publication/f91fe42e?page=71"> Scottish Building Society Head office: SBS House,</a> <a title="BSA-Yearbook-2020-21 page 72" href="http://viewer.zmags.com/publication/f91fe42e?page=72"> Scotwest Credit Union Head office: 13 Elmbank Str</a> <a title="BSA-Yearbook-2020-21 page 73" href="http://viewer.zmags.com/publication/f91fe42e?page=73"> Skipton Building Society Head office: The Bailey,</a> <a title="BSA-Yearbook-2020-21 page 74" href="http://viewer.zmags.com/publication/f91fe42e?page=74"> Stafford Railway Building Society Head office: 4 </a> <a title="BSA-Yearbook-2020-21 page 75" href="http://viewer.zmags.com/publication/f91fe42e?page=75"> Swansea Building Society Head office: 11/12 Crado</a> <a title="BSA-Yearbook-2020-21 page 76" href="http://viewer.zmags.com/publication/f91fe42e?page=76"> Teachers Building Society Head office: Allenview </a> <a title="BSA-Yearbook-2020-21 page 77" href="http://viewer.zmags.com/publication/f91fe42e?page=77"> Tipton & Coseley Building Society Head office: 70</a> <a title="BSA-Yearbook-2020-21 page 78" href="http://viewer.zmags.com/publication/f91fe42e?page=78"> Vernon Building Society Head office: 19 St Peters</a> <a title="BSA-Yearbook-2020-21 page 79" href="http://viewer.zmags.com/publication/f91fe42e?page=79"> West Bromwich Building Society Head office: 2 Pro</a> <a title="BSA-Yearbook-2020-21 page 80" href="http://viewer.zmags.com/publication/f91fe42e?page=80"> Yorkshire Building Society Head office: Yorkshire </a> <a title="BSA-Yearbook-2020-21 page 81" href="http://viewer.zmags.com/publication/f91fe42e?page=81"> BSA Associates Directory The benefits of being a</a> <a title="BSA-Yearbook-2020-21 page 82" href="http://viewer.zmags.com/publication/f91fe42e?page=82"> BSA Associates Addleshaw Goddard LLP Head offic</a> <a title="BSA-Yearbook-2020-21 page 83" href="http://viewer.zmags.com/publication/f91fe42e?page=83"> BSA Associates ALMIS International Limited Hea</a> <a title="BSA-Yearbook-2020-21 page 84" href="http://viewer.zmags.com/publication/f91fe42e?page=84"> BSA Associates Benenden Health Head office: Hol</a> <a title="BSA-Yearbook-2020-21 page 85" href="http://viewer.zmags.com/publication/f91fe42e?page=85"> BSA Associates Deloitte Head office: 4 Brindley</a> <a title="BSA-Yearbook-2020-21 page 86" href="http://viewer.zmags.com/publication/f91fe42e?page=86"> BSA Associates Eversheds Sutherland Head office</a> <a title="BSA-Yearbook-2020-21 page 87" href="http://viewer.zmags.com/publication/f91fe42e?page=87"> BSA Associates Gateway Surveyors Head office: W</a> <a title="BSA-Yearbook-2020-21 page 88" href="http://viewer.zmags.com/publication/f91fe42e?page=88"> BSA Associates Kind Consultancy Head office: La</a> <a title="BSA-Yearbook-2020-21 page 89" href="http://viewer.zmags.com/publication/f91fe42e?page=89"> BSA Associates LMS Head office: Bickerton House</a> <a title="BSA-Yearbook-2020-21 page 90" href="http://viewer.zmags.com/publication/f91fe42e?page=90"> BSA Associates Mutual Vision Head office: Unit </a> <a title="BSA-Yearbook-2020-21 page 91" href="http://viewer.zmags.com/publication/f91fe42e?page=91"> BSA Associates Reclaim Fund Ltd Head office: Em</a> <a title="BSA-Yearbook-2020-21 page 92" href="http://viewer.zmags.com/publication/f91fe42e?page=92"> BSA Associates The TALL Group of Companies Hea</a> <a title="BSA-Yearbook-2020-21 page 93" href="http://viewer.zmags.com/publication/f91fe42e?page=93"> BSA Associates Unisys Head office: Enigma, Wave</a> <a title="BSA-Yearbook-2020-21 page 94" href="http://viewer.zmags.com/publication/f91fe42e?page=94"> BOSvAerAsessaoscAiastseosciates General Buildi</a> <a title="BSA-Yearbook-2020-21 page 95" href="http://viewer.zmags.com/publication/f91fe42e?page=95"> Financial Statistics The following section contai</a> <a title="BSA-Yearbook-2020-21 page 96" href="http://viewer.zmags.com/publication/f91fe42e?page=96"> Key statistics Name of Society Total Assets </a> <a title="BSA-Yearbook-2020-21 page 97" href="http://viewer.zmags.com/publication/f91fe42e?page=97"> Key statistics Liquid Assets % Investing mem</a> <a title="BSA-Yearbook-2020-21 page 98" href="http://viewer.zmags.com/publication/f91fe42e?page=98"> Building society operational information Year</a> <a title="BSA-Yearbook-2020-21 page 99" href="http://viewer.zmags.com/publication/f91fe42e?page=99"> Building society / mutuals mortgage lending Perio</a> <a title="BSA-Yearbook-2020-21 page 100" href="http://viewer.zmags.com/publication/f91fe42e?page=100"> Mortgage balances outstanding BALANCES OUTSTAND</a> <a title="BSA-Yearbook-2020-21 page 101" href="http://viewer.zmags.com/publication/f91fe42e?page=101"> Mortgage gross advances GROSS ADVANCES Buildi</a> <a title="BSA-Yearbook-2020-21 page 102" href="http://viewer.zmags.com/publication/f91fe42e?page=102"> Number of loans approved Period Building Soc</a> <a title="BSA-Yearbook-2020-21 page 103" href="http://viewer.zmags.com/publication/f91fe42e?page=103"> Building society shares and deposits Building</a> <a title="BSA-Yearbook-2020-21 page 104" href="http://viewer.zmags.com/publication/f91fe42e?page=104"> ISA inflows Year Building Societies £m Banks £m </a> <a title="BSA-Yearbook-2020-21 page 105" href="http://viewer.zmags.com/publication/f91fe42e?page=105"> House prices, retail prices & earnings Period A</a> <a title="BSA-Yearbook-2020-21 page 106" href="http://viewer.zmags.com/publication/f91fe42e?page=106"> House prices & sales HOUSE PRICES (£s) Period </a> <a title="BSA-Yearbook-2020-21 page 107" href="http://viewer.zmags.com/publication/f91fe42e?page=107"> Interest rates Bank Rate </a> <a title="BSA-Yearbook-2020-21 page 108" href="http://viewer.zmags.com/publication/f91fe42e?page=108"> Interest rates Bank Rate </a> <a title="BSA-Yearbook-2020-21 page 109" href="http://viewer.zmags.com/publication/f91fe42e?page=109"> Interest rates Bank Rate </a> <a title="BSA-Yearbook-2020-21 page 110" href="http://viewer.zmags.com/publication/f91fe42e?page=110"> Interest rates Bank Rate </a> <a title="BSA-Yearbook-2020-21 page 111" href="http://viewer.zmags.com/publication/f91fe42e?page=111"> Interest rates Bank Base Rate Date of Change </a> <a title="BSA-Yearbook-2020-21 page 112" href="http://viewer.zmags.com/publication/f91fe42e?page=112"> Interest rates Bank Base Rate Date of Change </a> <a title="BSA-Yearbook-2020-21 page 113" href="http://viewer.zmags.com/publication/f91fe42e?page=113"> Interest rates Bank Base Rate Date of Change </a> <a title="BSA-Yearbook-2020-21 page 114" href="http://viewer.zmags.com/publication/f91fe42e?page=114"> Taxation INCOME TAX (on investors’ interest) F</a> <a title="BSA-Yearbook-2020-21 page 115" href="http://viewer.zmags.com/publication/f91fe42e?page=115"> Mergers & Name Changes Alterations, main</a> <a title="BSA-Yearbook-2020-21 page 116" href="http://viewer.zmags.com/publication/f91fe42e?page=116"> Mergers & Name Changes PART ONE A Abacus </a> <a title="BSA-Yearbook-2020-21 page 117" href="http://viewer.zmags.com/publication/f91fe42e?page=117"> Mergers & Name Changes Alliance & </a> <a title="BSA-Yearbook-2020-21 page 118" href="http://viewer.zmags.com/publication/f91fe42e?page=118"> Mergers & Name Changes Ashton-under-Lyne </a> <a title="BSA-Yearbook-2020-21 page 119" href="http://viewer.zmags.com/publication/f91fe42e?page=119"> Mergers & Name Changes Bedford Cro</a> <a title="BSA-Yearbook-2020-21 page 120" href="http://viewer.zmags.com/publication/f91fe42e?page=120"> Mergers & Name Changes Birmingham Midshires </a> <a title="BSA-Yearbook-2020-21 page 121" href="http://viewer.zmags.com/publication/f91fe42e?page=121"> Mergers & Name Changes Bradford & </a> <a title="BSA-Yearbook-2020-21 page 122" href="http://viewer.zmags.com/publication/f91fe42e?page=122"> Mergers & Name Changes Brighton & Southern C</a> <a title="BSA-Yearbook-2020-21 page 123" href="http://viewer.zmags.com/publication/f91fe42e?page=123"> Mergers & Name Changes Britannia </a> <a title="BSA-Yearbook-2020-21 page 124" href="http://viewer.zmags.com/publication/f91fe42e?page=124"> Mergers & Name Changes Camden </a> <a title="BSA-Yearbook-2020-21 page 125" href="http://viewer.zmags.com/publication/f91fe42e?page=125"> Mergers & Name Changes Cheltenham </a> <a title="BSA-Yearbook-2020-21 page 126" href="http://viewer.zmags.com/publication/f91fe42e?page=126"> Mergers & Name Changes Chingford & District </a> <a title="BSA-Yearbook-2020-21 page 127" href="http://viewer.zmags.com/publication/f91fe42e?page=127"> Mergers & Name Changes Civil Servi</a> <a title="BSA-Yearbook-2020-21 page 128" href="http://viewer.zmags.com/publication/f91fe42e?page=128"> Mergers & Name Changes Co-operative Permanen</a> <a title="BSA-Yearbook-2020-21 page 129" href="http://viewer.zmags.com/publication/f91fe42e?page=129"> Mergers & Name Changes Coventry Pr</a> <a title="BSA-Yearbook-2020-21 page 130" href="http://viewer.zmags.com/publication/f91fe42e?page=130"> Mergers & Name Changes Dorchester </a> <a title="BSA-Yearbook-2020-21 page 131" href="http://viewer.zmags.com/publication/f91fe42e?page=131"> Mergers & Name Changes Earlestown,</a> <a title="BSA-Yearbook-2020-21 page 132" href="http://viewer.zmags.com/publication/f91fe42e?page=132"> Mergers & Name Changes Edinburgh Mutual Inve</a> <a title="BSA-Yearbook-2020-21 page 133" href="http://viewer.zmags.com/publication/f91fe42e?page=133"> Mergers & Name Changes Essex Mutua</a> <a title="BSA-Yearbook-2020-21 page 134" href="http://viewer.zmags.com/publication/f91fe42e?page=134"> Mergers & Name Changes Fourth Bristol Perman</a> <a title="BSA-Yearbook-2020-21 page 135" href="http://viewer.zmags.com/publication/f91fe42e?page=135"> Mergers & Name Changes Goldhawk </a> <a title="BSA-Yearbook-2020-21 page 136" href="http://viewer.zmags.com/publication/f91fe42e?page=136"> Mergers & Name Changes H Hadrian </a> <a title="BSA-Yearbook-2020-21 page 137" href="http://viewer.zmags.com/publication/f91fe42e?page=137"> Mergers & Name Changes Haslemere &</a> <a title="BSA-Yearbook-2020-21 page 138" href="http://viewer.zmags.com/publication/f91fe42e?page=138"> Mergers & Name Changes Hercules </a> <a title="BSA-Yearbook-2020-21 page 139" href="http://viewer.zmags.com/publication/f91fe42e?page=139"> Mergers & Name Changes Huddersfield</a> <a title="BSA-Yearbook-2020-21 page 140" href="http://viewer.zmags.com/publication/f91fe42e?page=140"> Mergers & Name Changes Islington </a> <a title="BSA-Yearbook-2020-21 page 141" href="http://viewer.zmags.com/publication/f91fe42e?page=141"> Mergers & Name Changes Kirkcaldy B</a> <a title="BSA-Yearbook-2020-21 page 142" href="http://viewer.zmags.com/publication/f91fe42e?page=142"> Mergers & Name Changes Leek & Moorlands </a> <a title="BSA-Yearbook-2020-21 page 143" href="http://viewer.zmags.com/publication/f91fe42e?page=143"> Mergers & Name Changes Leicestersh</a> <a title="BSA-Yearbook-2020-21 page 144" href="http://viewer.zmags.com/publication/f91fe42e?page=144"> Mergers & Name Changes London Benefit </a> <a title="BSA-Yearbook-2020-21 page 145" href="http://viewer.zmags.com/publication/f91fe42e?page=145"> Mergers & Name Changes Loughboroug</a> <a title="BSA-Yearbook-2020-21 page 146" href="http://viewer.zmags.com/publication/f91fe42e?page=146"> Mergers & Name Changes Mercury </a> <a title="BSA-Yearbook-2020-21 page 147" href="http://viewer.zmags.com/publication/f91fe42e?page=147"> Mergers & Name Changes Modern Perm</a> <a title="BSA-Yearbook-2020-21 page 148" href="http://viewer.zmags.com/publication/f91fe42e?page=148"> Mergers & Name Changes New Swindon </a> <a title="BSA-Yearbook-2020-21 page 149" href="http://viewer.zmags.com/publication/f91fe42e?page=149"> Mergers & Name Changes North Metro</a> <a title="BSA-Yearbook-2020-21 page 150" href="http://viewer.zmags.com/publication/f91fe42e?page=150"> Mergers & Name Changes Northern Counties Per</a> <a title="BSA-Yearbook-2020-21 page 151" href="http://viewer.zmags.com/publication/f91fe42e?page=151"> Mergers & Name Changes Northern Ro</a> <a title="BSA-Yearbook-2020-21 page 152" href="http://viewer.zmags.com/publication/f91fe42e?page=152"> Mergers & Name Changes Over Darwen Permanent</a> <a title="BSA-Yearbook-2020-21 page 153" href="http://viewer.zmags.com/publication/f91fe42e?page=153"> Mergers & Name Changes Peterboroug</a> <a title="BSA-Yearbook-2020-21 page 154" href="http://viewer.zmags.com/publication/f91fe42e?page=154"> Mergers & Name Changes Prince of Wales Perma</a> <a title="BSA-Yearbook-2020-21 page 155" href="http://viewer.zmags.com/publication/f91fe42e?page=155"> Mergers & Name Changes Ravenhead P</a> <a title="BSA-Yearbook-2020-21 page 156" href="http://viewer.zmags.com/publication/f91fe42e?page=156"> Mergers & Name Changes Rugby & Warwick </a> <a title="BSA-Yearbook-2020-21 page 157" href="http://viewer.zmags.com/publication/f91fe42e?page=157"> Mergers & Name Changes St Pancras </a> <a title="BSA-Yearbook-2020-21 page 158" href="http://viewer.zmags.com/publication/f91fe42e?page=158"> Mergers & Name Changes Second Equitable Perm</a> <a title="BSA-Yearbook-2020-21 page 159" href="http://viewer.zmags.com/publication/f91fe42e?page=159"> Mergers & Name Changes Simplified </a> <a title="BSA-Yearbook-2020-21 page 160" href="http://viewer.zmags.com/publication/f91fe42e?page=160"> Mergers & Name Changes South Western </a> <a title="BSA-Yearbook-2020-21 page 161" href="http://viewer.zmags.com/publication/f91fe42e?page=161"> Mergers & Name Changes State (The)</a> <a title="BSA-Yearbook-2020-21 page 162" href="http://viewer.zmags.com/publication/f91fe42e?page=162"> Mergers & Name Changes Summit </a> <a title="BSA-Yearbook-2020-21 page 163" href="http://viewer.zmags.com/publication/f91fe42e?page=163"> Mergers & Name Changes Swansea and</a> <a title="BSA-Yearbook-2020-21 page 164" href="http://viewer.zmags.com/publication/f91fe42e?page=164"> Mergers & Name Changes Thrift </a> <a title="BSA-Yearbook-2020-21 page 165" href="http://viewer.zmags.com/publication/f91fe42e?page=165"> Mergers & Name Changes Tynemouth V</a> <a title="BSA-Yearbook-2020-21 page 166" href="http://viewer.zmags.com/publication/f91fe42e?page=166"> Mergers & Name Changes Vigilant </a> <a title="BSA-Yearbook-2020-21 page 167" href="http://viewer.zmags.com/publication/f91fe42e?page=167"> Mergers & Name Changes Wellington </a> <a title="BSA-Yearbook-2020-21 page 168" href="http://viewer.zmags.com/publication/f91fe42e?page=168"> Mergers & Name Changes West Midlands Permane</a> <a title="BSA-Yearbook-2020-21 page 169" href="http://viewer.zmags.com/publication/f91fe42e?page=169"> Mergers & Name Changes Willingham </a> <a title="BSA-Yearbook-2020-21 page 170" href="http://viewer.zmags.com/publication/f91fe42e?page=170"> Mergers & Name Changes Y Yarmouth & Gorleston</a> <a title="BSA-Yearbook-2020-21 page 171" href="http://viewer.zmags.com/publication/f91fe42e?page=171"> Mergers & Name Changes PART TWO Summ</a> <a title="BSA-Yearbook-2020-21 page 172" href="http://viewer.zmags.com/publication/f91fe42e?page=172"> Mergers & Name Changes Ashton-under-Lyne Dis</a> <a title="BSA-Yearbook-2020-21 page 173" href="http://viewer.zmags.com/publication/f91fe42e?page=173"> Mergers & Name Changes Berwick-upo</a> <a title="BSA-Yearbook-2020-21 page 174" href="http://viewer.zmags.com/publication/f91fe42e?page=174"> Mergers & Name Changes Bradford Equitable </a> <a title="BSA-Yearbook-2020-21 page 175" href="http://viewer.zmags.com/publication/f91fe42e?page=175"> Mergers & Name Changes Cambridge P</a> <a title="BSA-Yearbook-2020-21 page 176" href="http://viewer.zmags.com/publication/f91fe42e?page=176"> Mergers & Name Changes City & Metropolitan </a> <a title="BSA-Yearbook-2020-21 page 177" href="http://viewer.zmags.com/publication/f91fe42e?page=177"> Mergers & Name Changes Constantino</a> <a title="BSA-Yearbook-2020-21 page 178" href="http://viewer.zmags.com/publication/f91fe42e?page=178"> Mergers & Name Changes Denton </a> <a title="BSA-Yearbook-2020-21 page 179" href="http://viewer.zmags.com/publication/f91fe42e?page=179"> Mergers & Name Changes East Liverp</a> <a title="BSA-Yearbook-2020-21 page 180" href="http://viewer.zmags.com/publication/f91fe42e?page=180"> Mergers & Name Changes Etna </a> <a title="BSA-Yearbook-2020-21 page 181" href="http://viewer.zmags.com/publication/f91fe42e?page=181"> Mergers & Name Changes Fourth Lewi</a> <a title="BSA-Yearbook-2020-21 page 182" href="http://viewer.zmags.com/publication/f91fe42e?page=182"> Mergers & Name Changes Greater London Perman</a> <a title="BSA-Yearbook-2020-21 page 183" href="http://viewer.zmags.com/publication/f91fe42e?page=183"> Mergers & Name Changes Heaton Norr</a> <a title="BSA-Yearbook-2020-21 page 184" href="http://viewer.zmags.com/publication/f91fe42e?page=184"> Mergers & Name Changes Huskinsson </a> <a title="BSA-Yearbook-2020-21 page 185" href="http://viewer.zmags.com/publication/f91fe42e?page=185"> Mergers & Name Changes Kilmarnock </a> <a title="BSA-Yearbook-2020-21 page 186" href="http://viewer.zmags.com/publication/f91fe42e?page=186"> Mergers & Name Changes Linlithgowshire Savin</a> <a title="BSA-Yearbook-2020-21 page 187" href="http://viewer.zmags.com/publication/f91fe42e?page=187"> Mergers & Name Changes M Maesteg P</a> <a title="BSA-Yearbook-2020-21 page 188" href="http://viewer.zmags.com/publication/f91fe42e?page=188"> Mergers & Name Changes N NALGO </a> <a title="BSA-Yearbook-2020-21 page 189" href="http://viewer.zmags.com/publication/f91fe42e?page=189"> Mergers & Name Changes North Durha</a> <a title="BSA-Yearbook-2020-21 page 190" href="http://viewer.zmags.com/publication/f91fe42e?page=190"> Mergers & Name Changes O Oak Co-operative </a> <a title="BSA-Yearbook-2020-21 page 191" href="http://viewer.zmags.com/publication/f91fe42e?page=191"> Mergers & Name Changes People’s Co</a> <a title="BSA-Yearbook-2020-21 page 192" href="http://viewer.zmags.com/publication/f91fe42e?page=192"> Mergers & Name Changes Q Queen Anne Permanen</a> <a title="BSA-Yearbook-2020-21 page 193" href="http://viewer.zmags.com/publication/f91fe42e?page=193"> Mergers & Name Changes S Saddlewor</a> <a title="BSA-Yearbook-2020-21 page 194" href="http://viewer.zmags.com/publication/f91fe42e?page=194"> Mergers & Name Changes Second Birkenhead Eco</a> <a title="BSA-Yearbook-2020-21 page 195" href="http://viewer.zmags.com/publication/f91fe42e?page=195"> Mergers & Name Changes Silsden </a> <a title="BSA-Yearbook-2020-21 page 196" href="http://viewer.zmags.com/publication/f91fe42e?page=196"> Mergers & Name Changes Spennymoor Permanent </a> <a title="BSA-Yearbook-2020-21 page 197" href="http://viewer.zmags.com/publication/f91fe42e?page=197"> Mergers & Name Changes Sunderland </a> <a title="BSA-Yearbook-2020-21 page 198" href="http://viewer.zmags.com/publication/f91fe42e?page=198"> Mergers & Name Changes Third Petersburgh Mut</a> <a title="BSA-Yearbook-2020-21 page 199" href="http://viewer.zmags.com/publication/f91fe42e?page=199"> Mergers & Name Changes United Hous</a> <a title="BSA-Yearbook-2020-21 page 200" href="http://viewer.zmags.com/publication/f91fe42e?page=200"> Mergers & Name Changes Wellington Permanent </a> <a title="BSA-Yearbook-2020-21 page 201" href="http://viewer.zmags.com/publication/f91fe42e?page=201"> Mergers & Name Changes Western Equ</a> <a title="BSA-Yearbook-2020-21 page 202" href="http://viewer.zmags.com/publication/f91fe42e?page=202"> Mergers & Name Changes Y Yarmouth & Gorlesto</a> <a title="BSA-Yearbook-2020-21 page 203" href="http://viewer.zmags.com/publication/f91fe42e?page=203"> Mergers & Name Changes PART THREE Und</a> <a title="BSA-Yearbook-2020-21 page 204" href="http://viewer.zmags.com/publication/f91fe42e?page=204"> Mergers & Name Changes Grays </a> <a title="BSA-Yearbook-2020-21 page 205" href="http://viewer.zmags.com/publication/f91fe42e?page=205"> Mergers & Name Changes Britannia </a> <a title="BSA-Yearbook-2020-21 page 206" href="http://viewer.zmags.com/publication/f91fe42e?page=206"> Mergers & Name Changes Bristol & West </a> <a title="BSA-Yearbook-2020-21 page 207" href="http://viewer.zmags.com/publication/f91fe42e?page=207"> Mergers & Name Changes Leek & West</a> <a title="BSA-Yearbook-2020-21 page 208" href="http://viewer.zmags.com/publication/f91fe42e?page=208"> Mergers & Name Changes Stroud </a> <a title="BSA-Yearbook-2020-21 page 209" href="http://viewer.zmags.com/publication/f91fe42e?page=209"> Mergers & Name Changes Leeds & Hol</a> <a title="BSA-Yearbook-2020-21 page 210" href="http://viewer.zmags.com/publication/f91fe42e?page=210"> Mergers & Name Changes Liverpool Investment </a> <a title="BSA-Yearbook-2020-21 page 211" href="http://viewer.zmags.com/publication/f91fe42e?page=211"> Mergers & Name Changes Halifax </a> <a title="BSA-Yearbook-2020-21 page 212" href="http://viewer.zmags.com/publication/f91fe42e?page=212"> Mergers & Name Changes Monmouthshire Building </a> <a title="BSA-Yearbook-2020-21 page 213" href="http://viewer.zmags.com/publication/f91fe42e?page=213"> Mergers & Name Changes Holloway </a> <a title="BSA-Yearbook-2020-21 page 214" href="http://viewer.zmags.com/publication/f91fe42e?page=214"> Mergers & Name Changes Hastings & Thanet </a> <a title="BSA-Yearbook-2020-21 page 215" href="http://viewer.zmags.com/publication/f91fe42e?page=215"> Mergers & Name Changes People’s </a> <a title="BSA-Yearbook-2020-21 page 216" href="http://viewer.zmags.com/publication/f91fe42e?page=216"> Mergers & Name Changes Barnstaple </a> <a title="BSA-Yearbook-2020-21 page 217" href="http://viewer.zmags.com/publication/f91fe42e?page=217"> Mergers & Name Changes Paisley </a> <a title="BSA-Yearbook-2020-21 page 218" href="http://viewer.zmags.com/publication/f91fe42e?page=218"> Mergers & Name Changes London Commercial </a> <a title="BSA-Yearbook-2020-21 page 219" href="http://viewer.zmags.com/publication/f91fe42e?page=219"> Mergers & Name Changes Alliance </a> <a title="BSA-Yearbook-2020-21 page 220" href="http://viewer.zmags.com/publication/f91fe42e?page=220"> Mergers & Name Changes Burnley Burnley </a> <a title="BSA-Yearbook-2020-21 page 221" href="http://viewer.zmags.com/publication/f91fe42e?page=221"> Mergers & Name Changes Bradford & </a> <a title="BSA-Yearbook-2020-21 page 222" href="http://viewer.zmags.com/publication/f91fe42e?page=222"> Mergers & Name Changes Swansea Building Societ</a> <a title="BSA-Yearbook-2020-21 page 223" href="http://viewer.zmags.com/publication/f91fe42e?page=223"> Mergers & Name Changes Cheltenham </a> <a title="BSA-Yearbook-2020-21 page 224" href="http://viewer.zmags.com/publication/f91fe42e?page=224"> Mergers & Name Changes United Kingdom </a> <a title="BSA-Yearbook-2020-21 page 225" href="http://viewer.zmags.com/publication/f91fe42e?page=225"> Mergers & Name Changes Northern Co</a> <a title="BSA-Yearbook-2020-21 page 226" href="http://viewer.zmags.com/publication/f91fe42e?page=226"> Mergers & Name Changes Sunderland & Shields </a> <a title="BSA-Yearbook-2020-21 page 227" href="http://viewer.zmags.com/publication/f91fe42e?page=227"> Mergers & Name Changes City of Lon</a> <a title="BSA-Yearbook-2020-21 page 228" href="http://viewer.zmags.com/publication/f91fe42e?page=228"> Refer your clients to Key Partnerships The equity</a> <a title="BSA-Yearbook-2020-21 page 229" href="http://viewer.zmags.com/publication/f91fe42e?page=229"> @WhistlebrookLtd @WhistlebrookLtd WhistlebrookL</a>